HSBC and Franklin Templeton Mutual Funds Restrict Fresh Investments on These Funds

Starting April 9, 2025, HSBC Mutual Fund and Franklin Templeton Mutual Fund have announced restrictions on fresh inflows in specific debt-oriented schemes. The restrictions apply to new investments, switches, and registration of systematic plans.

HSBC Mutual Fund: Two Schemes Affected

HSBC Mutual Fund has restricted fresh subscriptions in the following schemes:

The restrictions cover all types of new inflows, including:

  • Lumpsum investments
  • Switch-ins from other schemes
  • New registrations of Systematic Investment Plans (SIPs)
  • New registrations of Systematic Transfer Plans (STPs)

The restriction will be effective from April 9, 2025, and will remain in place until further notice. Existing SIPs and STPs already registered before the cut-off date will continue as scheduled. Redemptions are not impacted by this restriction.

Franklin Templeton Mutual Fund: Corporate Debt Fund Suspended

Franklin Templeton Mutual Fund has suspended new subscriptions in the Franklin India Corporate Debt Fund, also effective April 9, 2025. The suspension includes:

  • Lumpsum investments
  • Switch-ins
  • New SIP registrations
  • New STP registrations

This restriction, like HSBC’s, will continue until further notice. Existing investment instructions set up prior to the effective date will continue without disruption.

Applicable Across All Platforms

The restrictions by both fund houses are applicable across all distribution platforms and channels. Investors will not be able to initiate any new inflow transactions into the mentioned schemes after the effective date.

Conclusion

From April 9, 2025, new investments and systematic plan registrations into HSBC’s Credit Risk and Low Duration Funds, as well as Franklin Templeton’s India Corporate Debt Fund, will not be accepted. These restrictions will continue until further updates are provided by the respective fund houses.

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Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Mutual Fund investments in the securities market are subject to market risks, read all the related documents carefully before investing.

NTPC Green Energy and MAHAPREIT Join Hands for 10 GW Renewable Energy Project

NTPC Green Energy Limited (NGEL), a subsidiary of NTPC Limited, has officially announced the incorporation of a new joint venture company named NTPC-MAHAPREIT Green Energy Limited to develop a massive 10 GW Renewable Energy Parks. This entity, incorporated on 8th April 2025, marks a strategic partnership between NGEL and Mahatma Phule Renewable Energy and Infrastructure Technology Limited (MAHAPREIT). NGEL holds a 74% stake, while MAHAPREIT holds the remaining 26%. The primary objective of this venture is to focus on the development, operation, and maintenance of renewable energy parks and projects across India, especially in Maharashtra.

This initiative is a noteworthy development in India’s clean energy landscape, symbolising collaboration between major public sector undertakings to scale green infrastructure. The incorporation received requisite approvals from key governmental bodies, including the Ministry of Power, DIPAM, and NITI Aayog.

Second Phase of Dayapar Wind Energy Project Commissioned

NTPC Renewable Energy Limited, a fully owned subsidiary of NTPC Green Energy Limited (NGEL), has formally declared the commercial operation of the second phase of its 150 MW Dayapar Wind Energy Project. With this, an additional capacity of 90 MW has been successfully commissioned and became operational from 00:00 hours on 9th April 2025. The project is part of a larger 450 MW Hybrid Project located in Dayapar, Bhuj, Gujarat.

This milestone follows the earlier commissioning of the first 50 MW segment, which was declared commercially operational on 4th November 2023. The achievement highlights NTPC’s ongoing commitment to expanding India’s renewable energy portfolio and strengthening its sustainable power infrastructure.

A Major Boost to India’s Hybrid Energy Infrastructure

The Dayapar Wind Energy Project is a key component of NTPC’s broader strategy to integrate diverse renewable energy sources, particularly under hybrid project structures. The 450 MW Hybrid Project combines both solar and wind resources to ensure efficient and reliable power generation.

By commissioning this second phase of wind capacity, NTPC Green Energy Limited enhances the total operational capacity under the hybrid model, optimising grid stability and contributing towards national renewable energy targets. The successful rollout also reflects the organisation’s technical capabilities and focus on timely execution.

NTPC Green Share Performance 

As of April 09, 2025, at 2:30 PM, NTPC Green share price is trading at ₹95.49 per share, reflecting a decline of 0.96% from the previous day’s closing price

Conclusion

The commercial launch of the 90 MW wind capacity marks a significant achievement for NTPC Renewable Energy Limited and reinforces NTPC Green Energy’s role in India’s transition to sustainable energy. With the full 150 MW now operational at Dayapar, the company continues to play a vital role in driving hybrid renewable solutions across the country.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

Concord Biotech Secures USFDA Approval for Teriflunomide Tablets to Treat Multiple Sclerosis

Concord Biotech Limited, a pharmaceutical company headquartered in Gujarat, India, has achieved a significant milestone with its latest announcement. On April 8, 2025, the company disclosed that it has secured final approval from the United States Food and Drug Administration (USFDA) to market Teriflunomide tablets in 7 mg and 14 mg dosages. This approval marks a pivotal step in the company’s journey towards expanding its presence in international markets, particularly in the high-value pharmaceutical segment of the United States.

The approved drug, Teriflunomide, is used in the treatment of relapsing forms of multiple sclerosis (MS), a chronic illness that affects the central nervous system. The development of this product underscores Concord Biotech’s growing capabilities in formulating and delivering differentiated therapeutic solutions on a global scale.

Strategic Relevance of the Approval 

Securing USFDA approval is widely regarded as a hallmark of pharmaceutical excellence and regulatory compliance. For Concord Biotech, this approval is more than just an entry into a new market—it is a testament to the company’s research and development strength. The U.S. market, being one of the largest and most regulated in the world, opens up considerable commercial opportunities for the company.

According to data from IQVIA™, the U.S. market for Teriflunomide tablets stands at approximately $402 million, while the global market is valued at around $908 million. By entering this segment, Concord not only strengthens its international footprint but also positions itself as a competitive player in the neurological disorders segment, a space increasingly characterised by innovation and high demand.

Expanding Global Outlook

The approval aligns with Concord Biotech’s long-term strategy of diversifying its product offerings and entering regulated markets with high growth potential. The company has consistently focused on differentiated products that can address unmet medical needs. By obtaining clearance to commercialise Teriflunomide in the U.S., Concord is demonstrating its commitment to expanding its reach and making critical therapies accessible across borders.

 

Moreover, the commercialisation of Teriflunomide tablets adds to Concord’s growing portfolio of approved products, bolstering its reputation as a reliable supplier of niche and essential pharmaceuticals. This achievement not only strengthens the company’s credibility among global stakeholders but also enhances its ability to contribute meaningfully to the treatment of neurological conditions worldwide.

Concord BioTech Share Performance 

As of April 09, 2025, at 2:30 PM, Concord Biotech share price is trading at 1,607.95 per share, reflecting a surge of over 0.71% from the previous day’s closing price.

Conclusion

Concord Biotech’s latest regulatory milestone represents a strategic victory in its ongoing mission to deliver cutting-edge therapies to global markets. The USFDA’s approval of Teriflunomide tablets highlights the company’s robust R&D efforts and its potential to tap into substantial market opportunities in both the United States and worldwide. With a strong pipeline and clear global ambitions, Concord is well-positioned to make a lasting impact in the pharmaceutical sector.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing

 

GAIL Establishes Finance Subsidiary in GIFT City for Global Operations

In a strategic move to broaden its financial operations, GAIL (India) Limited has incorporated a wholly owned subsidiary—GAIL Global IFSC Limited—within the International Financial Services Centre (IFSC) at Gujarat International Finance Tec-City (GIFT City), Gujarat. This development aligns with the company’s vision to enhance its global presence and capital management capabilities through structured financial channels within India’s premier financial hub.

Incorporation Details and Regulatory Approvals

GAIL Global IFSC Limited was formally established on 7th April 2025 with an authorised share capital of ₹17 crore and an initial paid-up capital of ₹8.5 crore. The Ministry of Petroleum & Natural Gas, Government of India, approved the formation of this subsidiary with confirmation from the Department of Investment and Public Asset Management (DIPAM) as of 13th March 2025.

This new entity will function as a finance company within the IFSC, adhering to all guidelines of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The entire investment has been made via cash consideration, with GAIL acquiring 100% of the equity at ₹10 per share.

Objectives and Strategic Intent

The primary goal of GAIL Global IFSC Limited is to engage in Global or Regional Corporate Treasury Centre activities and ship leasing operations, both strategically significant but distinct from GAIL’s conventional line of business in natural gas. This move allows GAIL to diversify its functional reach into the realm of international finance while retaining complete control and ownership over its new venture.

Although the subsidiary currently does not report any turnover or operational history, its establishment within the IFSC marks a calculated step towards international integration and financial efficiency for the parent company.

GAIL Share Performance 

As of April 09, 2025, at 2:30 PM, GAIL share price is trading at ₹166.70 per share, reflecting a decline of over 2% from the previous day’s closing price.

Conclusion

The formation of GAIL Global IFSC Limited signifies a pivotal expansion of GAIL’s corporate landscape. By stepping into the financial services space through the GIFT City IFSC, GAIL aims to capitalise on global financial flows and fortify its treasury capabilities, thereby marking a notable milestone in its strategic evolution.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

 

Sasken Technologies Acquires 100% Stake in BORQS International to Expand Global IoT Footprint

On 8th April 2025, Sasken Technologies Limited announced the successful completion of its 100% acquisition of BORQS International Holding Corp and its wholly owned subsidiaries. The transaction was executed through Sasken Design Solutions Pte. Ltd, a wholly owned subsidiary based in Singapore. With this strategic acquisition, Sasken aims to enhance its offerings in the field of connected devices and Internet of Things (IoT) solutions.

Acquisition to Strengthen End-to-End IoT Capabilities

BORQS International specialises in the design, development, and management of customised IoT devices and solutions. The acquisition supports Sasken’s ambition to provide a full-stack service — from ideation and intellectual property development to software implementation, product realisation, and hardware supply chain management. This move positions Sasken as a more comprehensive solution provider in the IoT space, catering to a global clientele.

The share purchase agreement was signed on 8th April 2025 for a total consideration not exceeding $40 million (approximately ₹338 crore), subject to adjustments and completion of specific conditions. This acquisition does not involve any related party transactions and was carried out entirely in cash.

Global Expansion with Strategic Presence Across Key Markets

Established in 2007, BORQS International has a presence in India, Hong Kong, and the People’s Republic of China. Over the past three years, its turnover has ranged between $29 million and $52 million. With this acquisition, the BORQS entities have become step-down subsidiaries of Sasken, adding to its global operational footprint and expanding its market reach.

 

Sasken intends to leverage BORQS’s capabilities to better support its clients with integrated solutions and accelerate the commercialisation of next-generation connected products. The acquisition does not require any governmental or regulatory approvals.

Sasken Technologies Share Performance 

As of April 09, 2025, at 2:30 PM, Sasken Technologies share price is trading at ₹1,303.35 per share, reflecting a decline of over 2% from the previous day’s closing price.

Conclusion

The acquisition of BORQS International by Sasken Technologies marks a pivotal step in its growth strategy, aimed at reinforcing its position in the IoT ecosystem. With enhanced technical capabilities and a broader geographic presence, Sasken is now poised to offer deeper value to its customers in the fast-evolving digital landscape.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

SEBI Tightens Investor Protection Norms with ‘1600’ Number Series Mandate

In a significant move to bolster investor protection and reduce instances of financial fraud, the Securities and Exchange Board of India (SEBI) has issued a new directive. All regulated and registered entities are now required to use phone numbers starting with the ‘1600’ series exclusively for service and transactional voice calls to existing customers.

Streamlining Caller Identification for Investors

The regulator’s decision is aimed at making it easier for investors to distinguish legitimate communication from potential scam calls. Typically, fraudsters disguise themselves using standard 10-digit mobile numbers, misleading investors into engaging in fraudulent transactions. The adoption of the ‘1600’ series will enable investors to quickly identify calls from genuine SEBI-regulated entities, significantly reducing the chances of deception.

Steps for Reporting Unsolicited or Fraudulent Communication

To further strengthen the security net, SEBI has urged investors to remain alert and report any Unsolicited Commercial Communications (UCC). Such reports can be submitted through the DND facility offered by telecom providers such as Airtel, Jio, Vi, MTNL, and BSNL. Alternatively, users can lodge complaints using the TRAI DND app or by contacting 1909. In more serious cases of suspected fraud, investors are advised to report such instances to the Department of Telecommunications via the Chakshu Platform. If a financial fraud has already taken place, victims can contact the Cyber Crime Helpline at 1930 or file a report through www.cybercrime.gov.in.

Conclusion

SEBI’s introduction of the ‘1600’ number series for all service-related calls represents a proactive step toward ensuring a safer investment environment. By simplifying the identification of legitimate communication, the regulator hopes to curb fraudulent activity and reinforce trust in the financial system.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

Vodafone Idea’s Govt Stake Jumps to 48.99% After 3,695 Crore Equity Shares Allocation

Vodafone Idea Limited has officially informed the National Stock Exchange (NSE) and BSE about the allotment of new equity shares. This is done in accordance with Regulation 30 of SEBI’s Listing Obligations. The shares are being issued to the Government of India based on an order under Section 62(4) of the Companies Act, 2013.

Background of the Share Allotment

Earlier, the Ministry of Communications directed the company to convert its unpaid spectrum auction dues into equity. This decision was part of a move to support the financially struggling company by turning its debt into ownership for the government.

Details of Share Allotment

On April 8, 2025, the board’s Capital Raising Committee approved the issue of 3,695 crore equity shares at ₹10 each to the Government of India. This totals to ₹36,950 crore. With this, the government’s shareholding in Vodafone Idea now stands at 48.99%.

Resulting Capital Structure

After this allotment, Vodafone Idea’s total paid-up equity capital has risen to approximately ₹1,08,343 crore, consisting of over 1,083 crore equity shares. 

Share performance 

As of April 09, 2025, at 2:10 PM, Vodafone Idea Limited Share Price is trading at ₹7.13 per share, reflecting a loss of 0.56% from the previous day’s closing price. Over the past month, the stock has registered a loss of 1.79%. The stock’s 52-week high stands at ₹19.18 per share, while its low is ₹6.61 per share.

Conclusion

This significant share allotment strengthens Vodafone Idea’s financial base while increasing the Government of India’s involvement in the company. It marks a key step in supporting the revival of the telecom operator.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

India’s Largest Fighter Jet Deals: ₹63,000 Crore Cleared for 26 Rafale Marine Jets from France

India has approved a landmark defence acquisition, clearing the way to procure 26 Rafale Marine fighter jets from France. According to news reports, the Cabinet Committee on Security, chaired by Prime Minister Narendra Modi, gave its nod to the estimated ₹63,000 crore deal, making it one of India’s largest fighter jet procurements to date.

The agreement is expected to be signed officially later this month during the anticipated visit of French Defence Minister Sébastien Lecornu.

Composition of the Rafale Marine Fleet

The approved deal involves the acquisition of 22 single-seater and four twin-seater Rafale-M jets. These 4.5-generation fighters are tailor-made for naval operations and will be deployed to bolster India’s maritime defence capabilities.

The entire fleet is scheduled for delivery within 37 to 65 months from the date of contract signing, with full induction into the Indian Navy expected by 2030–31.

Deployment on INS Vikrant: A Strategic Move

The new Rafale-M jets are slated for deployment on INS Vikrant, India’s first indigenously built aircraft carrier. This move marks a significant upgrade in India’s naval aviation capability, ensuring enhanced aerial defence and strike power in the Indian Ocean Region.

Deal Includes Training, Logistics & Indigenous Manufacturing Push

As per news reports, the package goes beyond the jets themselves. It includes fleet maintenance support, logistics solutions, and training for Indian Navy personnel. Importantly, the deal comes with offset obligations aimed at boosting indigenous manufacturing and technology transfer in the defence sector.

Upgrades to Existing IAF Rafale Fleet Also Covered

The contract reportedly includes provisions for equipment, spares, and upgrades for the 36 Rafale jets currently operated by the Indian Air Force (IAF). These jets are based at Ambala and Hashimara airbases and have been a crucial part of India’s aerial defence since their induction following a ₹59,000 crore contract signed in 2016.

Enhancing Mid-Air Refuelling Capabilities

A noteworthy feature mentioned in the report is the planned enhancement of the IAF’s aerial refuelling capabilities. The deal will support upgrades to the “buddy buddy” refuelling system, enabling ten Rafale jets to refuel others mid-air—a vital force multiplier in extended air operations.

Naval Infrastructure Upgrades in the Pipeline

To accommodate the new fleet, the Indian Navy will also need to install specialised equipment on its aircraft carriers. These modifications are essential to support the advanced operational requirements of the Rafale-M jets.

Future Plans: Indigenous Fifth-Generation Fighters

Looking ahead, the Navy is also reportedly planning to induct indigenous fifth-generation fighter jets, currently being developed under the aegis of the Defence Research and Development Organisation (DRDO). These future additions would complement the Rafale-M fleet and further strengthen India’s defence self-reliance.

Conclusion

The ₹63,000 crore Rafale Marine deal signifies a major step in India’s ongoing efforts to modernise its armed forces. With strategic implications for the Navy and additional support for the IAF, this procurement underscores the growing defence ties between India and France. As the country progresses towards greater self-reliance in defence, this deal stands out as both a tactical enhancement and a symbol of international cooperation.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

RBI’s Regulatory Plans Shake Gold Loan Stocks: Muthoot & IIFL Slip Amid Broader Policy Changes

Shares of major gold financing companies, such as Muthoot Finance and IIFL Finance saw a sharp decline on Wednesday, April 09. By 12:50 PM, Muthoot Finance share price had slipped by 7.3%, while IIFL Finance also traded lower, reflecting investor reaction to fresh regulatory concerns. The sudden dip follows a key announcement by the Reserve Bank of India (RBI) regarding upcoming changes in gold loan regulations.

RBI’s Move to Regulate Gold-Backed Loans

During the monetary policy announcement, RBI Governor Sanjay Malhotra indicated that the central bank will soon issue comprehensive regulations governing loans backed by gold jewellery and ornaments. These loans, often availed for both personal consumption and income-generating activities, are widespread among retail borrowers.

The RBI’s new framework will aim to harmonise guidelines across various types of regulated entities, factoring in their differing risk appetites and operational models. This could potentially impact how gold loan NBFCs operate, manage risk, and serve borrowers going forward.

Gold Loans: A Core Segment for NBFCs

The announcement carries significant implications for companies with heavy exposure to gold loans. For instance:

This deep reliance makes these companies particularly sensitive to any regulatory adjustments in the gold lending space.

Monetary Easing: A Broader Policy Context

The regulatory update coincided with a broader policy shift, as the RBI reduced its key repo rate by 25 basis points to 6%, marking the second consecutive cut. The central bank also changed its stance from “neutral” to “accommodative”, signalling a willingness to support growth.

Other associated rate changes include:

  • Standing Deposit Facility (SDF): Reduced to 5.75%

  • Marginal Standing Facility (MSF): Lowered to 6.25%

  • Bank Rate: Also set at 6.25%

This dovish policy shift is in response to economic indicators suggesting a potential slowdown.

Growth Outlook Revised Downward

In addition to interest rate adjustments and regulatory updates, the RBI also revised its GDP growth forecast for FY26. The projection now stands at 6.5%, a 20 basis point cut from the previous estimate of 6.7%. This reflects a more cautious economic outlook amid both domestic and global uncertainties.

Conclusion

The RBI’s move to regulate gold-backed loans has triggered immediate market reactions, especially among gold-centric NBFCs. Investors now await further clarity on the regulatory framework and its broader implications for the sector.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

Monthly income of ₹2.5 lakh with one-time investment of ₹10 lakh; here’s how to make it possible

Planning for retirement at a young age may seem far-fetched, but starting early can be one of the smartest financial decisions you’ll ever make. In this article, we explore a potential route to generate a steady monthly income of ₹2.5 lakh after retirement with a one-time investment of ₹10 lakh today — without making it sound like a product recommendation. Let’s understand the journey of disciplined investing and how it can pay off big time in the long run.

Your current scenario: Just 25 and already planning ahead

You’ve been working for 3years and just turned 25. Over these years, you’ve managed to save a decent amount and also received a loyalty bonus from your employer. You’ve now accumulated ₹10 lakh, and rather than spending it, you want to plan your retirement, which is 30 years away.

You foresee your monthly expenses at retirement (age 55) to be in the range of ₹2.25 to ₹2.50 lakh — which means you’ll need a significant retirement corpus. But instead of monthly SIPs or recurring investments, you’re considering a one-time lump-sum investment.

The power of compounding over 30 years

Let’s assume you invest ₹10 lakh today in a mutual fund that delivers an average annualised return of 12% over the next 30 years. While this return is not guaranteed, historically some equity mutual funds have managed to deliver similar returns over the long term.

  • Investment Amount: ₹10,00,000

  • Expected Annual Return: 12%

  • Investment Duration: 30 years

  • Corpus at 55: ₹2,99,59,922

So, by the time you turn 55, your ₹10 lakh investment could grow to nearly ₹3 crore, thanks to the power of compounding.

Starting a monthly income using SWP

Now, instead of withdrawing the entire amount at once, you decide to set up a Systematic Withdrawal Plan (SWP) — a facility that allows you to withdraw a fixed amount every month from your mutual fund investment while the remaining amount stays invested and continues to earn returns.

  • Corpus at 55: ₹2,99,59,922

  • Monthly Withdrawal (SWP): ₹2,50,000

  • Duration of Withdrawal: 15 years (until age 70)

  • Expected Return during Withdrawal Phase: 8% annually

What the numbers say

Using an SWP with the above parameters, here’s what your retirement income and final corpus might look like:

  • Total Withdrawn Over 15 Years: ₹4.5 crore

  • Final Corpus Left After 15 Years: ₹1.2 crore

  • Total Return Earned During Withdrawal Period: ₹2.7 crore

Even after withdrawing ₹2.5 lakh every month for 15 years, you’d still be left with over ₹1 crore, providing you with further financial security for the years beyond.

Why this approach can work

  • Early investing advantage: Starting at 25 gives you the compounding edge that late starters won’t have.

  • One-time effort: A lump-sum investment minimises the hassle of monthly commitments.

  • SWP flexibility: You control how much you want to withdraw and can adjust as per your lifestyle or inflation.

  • Continued growth: Even during retirement, your money continues to earn — you don’t stop compounding at 55!

Points to consider

  • Market risks: Mutual funds are market-linked, and returns are not guaranteed.

  • Inflation: While ₹2.5 lakh may seem enough today, ensure it matches future cost-of-living projections.

  • Taxation: SWP withdrawals are subject to capital gains tax depending on the holding period and fund type.

Conclusion

This article shows how starting early and staying invested can potentially lead to a financially secure retirement. With a well-planned one-time investment, you could generate a monthly income that supports a comfortable lifestyle while still keeping your corpus growing in the background.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.